hsbc的这张卡本来就没有bonus，所以lz并没有吃亏

有bonus的通常是citi或chase的卡

以下是引用heavysnow在2006-10-9 22:54:00的发言：
我曾经申请的一张卡在刚拿到的时候就打电话给砍了

我也这样过。。。 可惜还是被记在closed account里面了。。。不知道要跟我多久 ：（

如果已经申请了，恐怕就有hard inquiry 了，再cancel 就不合适了。

这个卡很不错啊，还是留着用吧。

啊？有closed account的记录很不好吗？

关账户带来的其它影响不好吧

It will affect your credit in the following ways.

1. It will shorten your average credit history in the long run.

2. It will affect your average credit limit (might be positive or negative)

3. It will add ONE to your total accounts as long as it counts.

4. It does not feel good when something you don't have appear in your report, at least for me.

All these effects are very minor and you don't really need to care about it.